Get a grip !

MovingForwards

You got your shopping budget down a bit and a bonus when it came 😁 yummy to the crumble and custard, rather envious of that!

savingwannabe

Hoorah for payday, we are rich again. Well done on walking in this and the free steaks. Rhubarb crumble, yum!!!!!

Skint_yet_Again

Yeah I need something to cheer me up MF ☹️ I’ve switched my gas & electric but my final bill from Eon is £91.32 (usually £80 a month). Then I have to also pay to Brit gas for new supply gas £22 & electric £68 so total bill has gone up from £80 a month to £181.32 this month ! Then £90 a month after that ☹️

savingwannabe

OMG. EAT THE RHUBARB PIE. Do you remember when I switched my electric to that dodgy company and I ended up paying £400 for one month? I am hoping it will get better for you. I am with British Gas too. You do feel more secure after the switch has happened. Yikes.

Skint_yet_Again

savingwannabe said:

OMG. EAT THE RHUBARB PIE. 

🤣😂🤣

savingwannabe

God it's awful. You save money and it costs extra in the short term. My British Gas bill is the same as yours and I pay for emergency cover as well (£130ish). It does add up. When you are full can you post some pie to me!!!!!:D

Skint_yet_Again

[font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b]

Household Information[/b]

Number of adults in household........... 1

Number of children in household......... 

Number of cars owned.................... 1[b]

Monthly Income Details[/b]

Monthly income after tax................ 1314.08  wages plus money left from June to pay food on credit card

Partners monthly income after tax....... 0

Benefits................................ 0

Other income............................ 190[b]

Total monthly income.................... 1504.08[/b][b]

Monthly Expense Details[/b]

Mortgage................................ 219.9

Council tax............................. 154

Electricity & Gas.............. 181.32

Water rates............................. 41.6

Mobile phone............................ 8.35

TV Licence.............................. 13.2

Satellite/Cable TV...................... 53.5 & landline/internet

Groceries etc. ......................... 120 

Petrol/diesel........................... 0  still have enough in car
Car maintenance (including MOT)......... 50

Presents (birthday, christmas etc)...... 50

union fee............................... 8.66

annual bills............................ 100[b] car insurance/car tax/ house insurance/ haircuts/

Total monthly expenses.................. 1000.53[/b]

[b]

Secured & HP Debts[/b]

Description....................Debt......Monthly...APR

Mortgage...................... 0........(219.9)....0[b]

Total secured & HP debts...... 0.........-.........-   [/b]

[b]Unsecured Debts[/b]

Description....................Debt......Monthly...APR

credit card....................0.........280.......0[b] will be paid in full

Total unsecured debts..........0.........280.......-  [/b]

[b]

Monthly Budget Summary[/b]

Total monthly income.................... 1,504.08

Expenses (including HP & secured debts). 1,000.53

Available for debt repayments........... 503.55

Monthly UNsecured debt repayments....... 280[b]  credit card food/clothes etc

Amount left after debt repayments....... 223.55[/b]

[i]Created using the SOA calculator at www.LemonFool.co.uk.

Reproduced on Moneysavingexpert with permission, using other browser.[/i][/font]

MovingForwards

Can you possibly have a little more of DS and GF to help towards the electric as that seems a lot for 3 of you, unless PD has wild parties while you sleep!

£430.42, £330ish normally, for utilities / internet / council tax shouldn't fall on your shoulders as much as they are and I'm sure they would understand paying a little bit more.

Hope the crumble was as good as it sounded!

Skint_yet_Again

So I have £223.55 left. Usually there would be £50 for entertainment, £40 petrol & £300 would go into savings = £390 so I am £166.45 short. The gas bill is an extra £101.32 & the other £65 ish is food overspending 😳

I think I have enough food for 2 weeks apart from milk, salad & fruit/veg. 

Spend so far £40.83 / £120. 

Skint_yet_Again

Crumble was lovely thanks 😊 
DS & gf pay half internet, half gas/electric £40, half tv licence, half water bill, half house insurance. They pay towards council tax enough to cover the single person discount I lose because they live here. Gas / electric usually £80 a month. Only had to pay more this month as I had to pay up old provider which would normally have been covered over summer months using no heating but keeping direct debit same as winter months. Also having to pay new provider in the same month. If I had switched in the summer I would normally have been in credit.